Powerfully simple business banking

Get a business edge with an award-winning, free business checking account with no hidden fees.

Trusted by over 100,000 small businesses

WHAT YOU GET

Free business checking account in the palm of your hand

Easy Transfers

Free ACH transfers, mailed checks, and incoming wires

Apply In Minutes

Submit your application in under 10 minutes

No Hidden Fees

Don't be surprised by a fee again – see for yourself

Padlock representing security and insurance
FDIC Insurance

Insured through Middlesex Federal Savings

Online Banking

Banking at your fingertips anywhere, anytime

  1. Backed with FDIC insurance*
  2. No hidden fees
  3. No monthly fees or minimum balance requirements
  4. Simple, easy-to-use mobile apps
  5. Apply in under 10 minutes
  6. Human-powered customer service
  7. Free transfers, mailed checks, and incoming wires
  8. Integrates with other small business tools
  9. Refunds all ATM fees
  10. Thousands of dollars in exclusive perks
Traditional Business Bank Accounts
  1. Backed with FDIC insurance
  2. Hide monthly or usage fees in the fine print
  3. Charge up to $20 per month in fees
  4. Difficult and clunky mobile apps
  5. Can take weeks to open an account
  6. Chatbots and automated phone support
  7. Charge $3 per transfer and up to $25 for incoming wires
  8. Upsell you on only their own, out-of-date products
  9. Charge you $3 to use out-of-network ATMs
  10. Charge you to use their products

HOW WE EMPOWER YOU

Connect Novo to your tools

We integrate with the services you use to manage and grow your business.

Over 7,000 5-star reviews

Hear it from our customers

A small business owner’s dream
by
Matthew O.
,
Trustpilot Review

As a small business owner there can be so many hurdles. But Novo has really helped to alleviate many concerns and worries I had. The experience has been seamless and I’m looking forward to being a client for a long time.

Love Novo!!!
by
Jennifer B.
,
Trustpilot Review

Novo has an easy to use app. You can do everything from your phone. It is easy to transfer funds in and out of the account. The app integrates with Quickbooks and many other business management tools. They also let you create reserves of money within the account for taxes, travel expenses, or anything else you need to save for. I highly recommend Novo!!!

Easy to use approach
by
Lavencion
,
App Store Review

My experience has been very positive so far. Transactions have been easy and the performance of the software has been spot on! Thank you for the great customer service.

actual novo users

WHO WE SUPPORT

Over 100,000 small business owners, entrepreneurs, and freelancers trust Novo

We currently support U.S. based businesses, whether you're a U.S citizen or an international founder.

HOW TO APPLY

Get started in 3 simple steps

Apply for a Novo account online or from your phone.

Personal Info

Tell us about yourself

1
Business Info

Tell us about your business

2
Novo Account

Get your Novo Account

3

HOW WE PROTECT YOU

Your data and money are safe and secure

Padlock representing security and insurance
FDIC Insurance

Your deposits are insured up to $250,000 through our partner bank, Middlesex Federal Savings, Member FDIC.

EMV Chip

Your Novo debit card is protected by Mastercard EMV technology, making it virtually impossible to counterfeit.

Bulletproof Security

Our dedicated security teams and bank-grade encryption ensures that your information remains safe 24/7.

Perks

$20,000 in fee-free card processing, plus access to betas and events.

6% cashback on all trips when you pay with your Novo debit card

$3,000 in Google Cloud credits

Free first 3 months of any Gusto package

40% discount on first 6 months of any Quickbooks Online package

30% off first year subscription plus 15% off of following years

$50,000 in Segment Credits for first two years, plus added Segment deals and office hours access

Free 6 months on any Zendesk Suite licenses up to 100 seats

$150 in Snapchat Ads credits

50% off annual Salesforce Essentials plan, plus onboarding help and support

1 month free on Homebase Plus

Novo is a financial technology company, not a bank. Banking services are provided by Middlesex Federal Savings, F.A.; Member FDIC.
close icon